45W032 Rowe Rd, Elburn, IL 60119 Property Records

Kane County property record for 45W032 Rowe Rd, Elburn, IL 60119 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	1,907 sqft · built 1926
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$258,000 (Nov 2018)
Tax Bill	$8,117 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-13-200-004`

Property Details

APN / Parcel Number

Primary APN	`10-13-200-004`

Interior

Stories	1 Story
Building Area	1,907 sqft Living Area

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	45W032 ROWE RD
City	ELBURN
State	IL
Zip	60119-7705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Jurisdiction	KANE IL
Township / Civil Division	KANEVILLE
Census Block Group	3
Census Block	3017
Census Tract	852403

Owner

Source: Kane County records · APN 10-13-200-004

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	45W032 ROWE RD, ELBURN, IL 60119-7705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BUSEY BANK
Nov 01, 2018	Deed of Trust, Mortgage · Conventional with PMI CIBM BK
Nov 05, 2018	Warranty Deed, Transfer · ARM CIBM BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 05, 2018 · Amount on Record
Deed Sale	Nov 05, 2018 · Amount on Record
Deed Document Number	201853730
Last Transfer Date	Dec 03, 2024
Transfer Doc	0000046461
Record Updated	Sep 20, 2026

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 29, 2020
Property Address	45W032 ROWE RD, ELBURN, IL 60119-7705
Document Number	0000034625
Instrument Date	Jun 10, 2020
Instrument	2020K034625
Transaction Type	Transfer
Record Updated	Aug 05, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45W032 ROWE RD, ELBURN, IL 60119-7705

Mortgage

Document Number	0000034626
Date	Jun 29, 2020
Instrument	2020K034626

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.99%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 01, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.99%
Index	1-Year LIBOR
Max Rate	8.99%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	45W032 ROWE RD, ELBURN, IL 60119-7705
Document Number	0000053731
Instrument Date	Nov 01, 2018
Transaction Type	Mortgage
Record Updated	Nov 19, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 W 032 ROWE RD ELBURN IL 60119, ELBURN, IL 60119

Mortgage

Document Number	0000053731
Date	Nov 05, 2018
Instrument	53731

Lender

Name	CIBM BK
Type	Bank
Address	NAPERVILLE, IL 60563

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 04, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.62%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 05, 2018
Property Address	45W032 ROWE RD, ELBURN, IL 60119-7705
Document Number	0000053730
Instrument Date	Oct 31, 2018
Instrument	2018K053730
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	45W032 ROWE RD, 45W032, ELBURN, IL 60119-7705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45W032 ROWE RD, ELBURN, IL 60119-7705

Mortgage

Document Number	0000053731
Date	Nov 05, 2018
Instrument	2018K053731

Lender

Name	CIBM BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Dec 01, 2025
Change Frequency	Annually
Min Rate At Change	2.62%
Max Rate At Change	10.2%
Index	1-Year LIBOR
Max Rate	10.2%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Kaneville Township
Unified School District	Kaneland Community Unit School District 302 (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,117.00 (+8.56%)	$114,841 (+8.14%) Land $29,136 Building $85,705	$344,661 (+8.14%) Land $87,443 Building $257,218
2024		$106,197 (+17.06%) Land $26,943 Building $79,254	$318,718 (+17.11%) Land $80,861 Building $237,857
2022	$7,477.00 (+3.23%) Homeowner's exemption	$90,717 (+4.35%) Land $23,016 Building $67,701	$272,151 (+4.35%) Land $69,048 Building $203,103
2021	$7,243.00 Homeowner's exemption	$86,936 Land $22,057 Building $64,879	$260,808 Land $66,171 Building $194,637

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 2 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	300 / 20
NewarkNet	Fixed Wireless (unlicensed)	100 / 100
T-Mobile USA	Fixed Wireless	100 / 20
Benton Ridge Telephone Company	Fixed Wireless (licensed-by-rule)	100 / 20
Blast Communications	Fixed Wireless (unlicensed)	100 / 10
AT&T	Fixed Wireless	25 / 3

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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